Renewal/Refinance
Spousal Buyout
Low Credit Score
First Time Home Buyers
Self-Employed
Retirees
Investors
New to Canada
Custom Mortgage Solutions Tailored To Fit Your Financial Goals.
Friendly Professional Service
Experience a level of service that seamlessly combines professionalism with genuine friendliness. From our initial consultation and throughout the life of your mortgage, I strive to create a comfortable and inviting atmosphere where your needs are my top priority.
Rate Guarantee
Continuous monitoring of your interest rate throughout its lifespan ensures it remains consistently cost-effective for you. Maintaining good mortgage health is essential for long-term financial well-being
Effortless Online Application
Experience the ease of an online application platform, complete with secure document upload. Apply from anywhere, effortlessly, and rest assured that your information remains confidential throughout the process.
Technology
Utilizing the most advanced technology ensures your paperless client experience is unmatched. Streamlined online application, secure document portal, and a quick and simple online booking system.
Why use a Mortgage Broker?
Vancouver Island
Southern Gulf Islands
Pender Island
Mayne Island Galiano Island
Victoria Comox Valley
Ucluelet
Tofino BestCoastBroker
Mortgages
Mortgage Broker
Interest Rates
Victoria Mortgage Broker
Vancouver Island Mortgage Brokers
First Time Buyer
Colwood Landford
Duncan
Courtenay
Comox BC Ferries
Saanich
Saanichton
Mill Bay Brentwood Bay
Sidney Salt Spring Island
Campbell River
Port Hardy Port McNeil
Gold River
Sayward
Mt. Washington
Port Alberni
Qualicum Beach
Parksville
F
A
Q
What does a Mortgage Broker do?
What areas do you service?
How much does it cost to use a Broker?
Can a Broker get me the best rate?
Should I take the rate offered to me by my bank?
My bank said "No". Do I still have options?
A Mortgage Broker is a licensed mortgage expert with a well-established network of lenders. My role is to find the most appropriate mortgage option for you. I do all the the research, make all the phone calls, submit the application, and handle all of the rate negotiations with the Lender, saving you time and money!
While my home base is in British Columbia, my expertise extends beyond provincial borders, allowing me to assist in securing mortgage financing throughout most of Canada.
My services are typically at no cost to you! My clients often secure superior rates and lending terms compared to those who approach banks or credit unions directly. I am compensated by lenders through a commission, typically ranging from 0.5% to 1% of the total mortgage amount, but rest assured, this does not have a negative impact on your rate. I earn my commission only after successfully arranging your mortgage.
Securing the best rate for you is top priority! As a broker, I have access to a wide network of financial institutions, including major banks, credit unions, trust companies, mortgage-only lenders, private funds, and more. Beyond just finding you a great rate, I can also assist you in navigating hidden costs that might catch you off guard but can significantly affect the overall cost of your mortgage.
Borrowers should carefully consider not accepting the rate offered by their lender for several reasons. First, lenders may not always provide the most competitive rate available in the market, potentially resulting in higher costs over the life of the loan. Second, exploring other options allows borrowers to compare rates and terms from multiple lenders, ensuring they find the best deal tailored to their specific financial situation. Lastly, negotiating or seeking alternative offers can lead to significant savings and better loan terms, making it a prudent choice to explore all available options before making a decision.
Yes, absolutely! It's crucial to reach out to a mortgage broker in this situation. While your bank may have declined your application, a mortgage broker has access to a wide network of lenders and can explore alternative options that may still be available to you. Brokers can help you navigate the complexities of the mortgage market, potentially finding a lender who is willing to work with your unique financial circumstances. So, even if your bank has said no, there are often still options available, and a mortgage broker can help you find them.
Kind Words From My Clients:
"Angela is an absolute gem. She helped secure a mortgage for me when others could not, and make the process so easy. She made sure any concerns were addressed, and found the best possible rates and terms for my needs. I would highly recommend Angela with no hesitation."
Timberly Williams
About Me.
With over 30 years immersed in the Residential Real Estate Industry, my professional journey has uniquely crafted me into an outstanding Mortgage Professional.
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Whether you are purchasing your first home or your tenth, looking to refinance, or considering real estate as an investment, I have the knowledge and expertise to guide you through this experience, start to finish.
During my downtime, you'll often catch me embarking on adventures along the myriad of backcountry trails that wind through the picturesque landscapes of Vancouver Island. Trekking through dense forests, traversing rugged terrain, and soaking in the breathtaking views from lofty peaks allows me to return to my professional endeavors with renewed energy and perspective.
Proud Supporter of:
Victoria Harbourcats Baseball Club
The Vancouver Island Trail Association
Pender Island Pride Society
Habitat for Humanity (Victoria)
Gulf Islands Summer Comedy Festival
